Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for their needs. Whether this is a first home loan, last, a loan for an investment property, vacation home, or refinance, I would be honored to assist with the mortgage need.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their financial needs without feeling pressured to commit.

Our first step is to discuss your goals and for me to share the loan programs that are available. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and provide information so you can decide what makes the most sense for you and your family.

Not sure about paying points ? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who will strive to give you real life options to consider.

Equal Housing Lender. Contact me at bernice@bayareafunding.com.

New vs. Existing: Why a Newly Built Home Could Be the Better Deal
New vs. Existing: Why a Newly Built Home Could Be the Better Deal
Jul 24 2024   first time buyer first home first mortgage home loan apply for a first home loan
If you're looking for a new home, you might want to give newly built homes a closer look. Contrary to popular belief, new homes aren't always pricier than existing ones. In fact, they can often be more budget-friendly, especially in today's market.... Read More
Navigating Refinance Appraisals with Confidence
Navigating Refinance Appraisals with Confidence
Jul 17 2024   refinance cash out refi home improvement loan
Refinancing your mortgage is an exciting step toward better financial health. But before you can bask in the benefits of a new loan, there's one crucial hurdle: the home appraisal. Don't worry, though—we've got you covered with everything you... Read More
Tax Deductibility of Home Equity Loans in 2024
Tax Deductibility of Home Equity Loans in 2024
Jul 10 2024   heloc home equity loans tax deduction
Home equity loans have long been a popular financing option for homeowners looking to tap into the value of their homes. One of the major advantages of these loans is the potential for tax-deductible interest. However, the deductibility of home... Read More
Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
Jul 3 2024   first time buyer first home first mortgage home loan apply for a first home loan
Deciding to buy a home goes beyond just finding the ideal location—it's about understanding how specific neighborhoods can differ from national trends when it comes to timing your investment If you're wondering whether your desired... Read More

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